Public Mutual Fund Performance

Hi, Vincent. It's great to see you at Tropicana Mall yesterday. I try to make this progress as smooth and simple as possible. I have to submit your application by end of the week. Hm.. With the attachment is our favorite pick recommendation of the funds available at the source: http://www.publicmutual.com.my/LinkClick.aspx?fileticket=02_7THR13_8%3d&tabid=248 (Fund Review) and http://www.publicmutual.com.my/OurProducts/FundsFSPublicSeriesEquityFund.aspx (Fund's Financial Statement) to our prospect. They are more than 70 funds in Public Mutual alone. You could also check the daily price at http://www.publicmutual.com.my/application/fund/fundprice.aspx

Our recommendation
1. Public Savings Fund (Page 3)
2. Public Aggressive Growth Fund (Page 7)
3. Public Islamic Select Treasures Fund (Page 43)
4. Public Ittikal Fund (Page 11)

Please take your time to study it, no hurry. I could meet you once again, maybe around your office area before I do my last minute submission in case you have any hesitation. Actually I did the same thing for my EPF too, I have all my personal records keeping until today. I don't mind to share it with you later.

Regards,

Js

016-2591429

Guideline on how to check EPF details on KWSP Personal Accounts

Vincent,

In our conversation that day. I know you didn't have an online account to check your EPF. This is where you need to register yourself for first time and definitely will be made convenient to you later. Go to https://secure.kwsp.gov.my/secured/member/register  The first time of initialization will need your NRIC and an activation code. For the code, you really need to travel one time to the EPF kiosk. The nearest office/kiosks can be found here at http://www.kwsp.gov.my/portal/en/web/kwsp/reach-us/epf-offices-location/selangor-darul-ehsan
I spotted this one: Jalan Gasing, Petaling Jaya closest to you, check out the map for direction there yourself.

To know how much you could withdraw from KWSP and invest in Public Mutual. Go to http://lvgconsultants.com/epfcalculator.html  Do fill in the amount of EPF Account 1 and your age. The calculated result must be at least RM1,000.00 to become eligible and then you can withdraw 4 times only in a year i.e. each lump sum investment 3 months apart.

Maybe we can arrange to meet again in this KWSP venue before I put in submission for you or subject to your final approval.

Reminder: Information I need from you
#. EPF Account Number
#. EPF Amount for Initial Investment
#. Name of Fund

Regards,

Js
016-2591429

Receipt of Public Mutual Fund Submission (EPF case)

Vincent,

Thanks for your business. With the attached is the proof of submission to PMB. Internal processing takes 3 working days to effect. Roughly, you know the latest fund price is available here at http://www.publicmutual.com.my/application/fund/fundprice.aspx

In the upcoming days, you should receive the following letters
* Confirmation withdrawal letter from KWSP
* Transaction note from PMB

To keep it simple and make it convenient to you, I highly recommend you to submit the Public Mutual Online Application which you have already filled in your particulars that day, and proceed to the PMB branch at http://www.publicmutual.com.my/ContactUs/WestofMalaysia.aspx  I spotted Bangsar branch is the nearest to you. Extended office hour is available here http://www.publicmutual.com.my/LinkClick.aspx?fileticket=6gkVvbOWIUQ%3d&tabid=106  The staff there will need to verify your thumbprint with your NRIC before you can create a Public Mutual Online (PMO) account. If you don't have form, please get it here at http://www.publicmutual.com.my/LinkClick.aspx?fileticket=ymO7c12asuY%3d&tabid=101

Benefit of having a PMO account is shown as below:-

You can login at https://www.publicmutualonline.com.my/
* Know your net worth of investment immediately if you were to liquidate it
* Allow you to keep track of your investment and distribution up to 1 year
* Allow you to do online transaction e.g. sell or switch for EPF case only

Your next available withdrawal is at 15 Jan 2013, probably during CNY.
The withdrawal amount, you may try out this online calculator
http://lvgconsultants.com/epfcalculator.html

See you soon.


Regards,

Js
016-2591429

Proposal #2 - Using EPF's money and parks it into Public Mutual

Kuan,

It's my greeting to you again. Without further delay, I am going thru my Proposal #2 - Using EPF's money and parks it into Public Mutual. I believe you could buy my Proposal #2 straight away if you are a happy investor and find no issue about it. It is my best sell proposal since I joined Public Mutual Bhd (PMB) as a Unit Trust Consultant (UTC) three years ago. Not only that, it explains to me why this business leads into my career too.

To give you an idea about the dividend rate EPF has given us since enacted in year 1952 is available here at
http://www.kwsp.gov.my/portal/en/web/kwsp/about-epf/investment-highlights/dividend-rates The relevant portion is from year 1981-2012 if you want to compare apple to apple. So does the result of Employees Provident Fund (EPF) to Public Savings Fund (PSF). The financial statement of EPF financial year ended 2011 can be obtained here at http://www.kwsp.gov.my/portal/documents/10180/155850/8.1_Laporan_Kewangan__BI_.pdf  and other information available in sources if you are interested is at http://www.kwsp.gov.my/portal/en/web/kwsp/annual-report-2011  Alright, I won't elaborate further from here onwards as a picture is worth more than a thousand words.

To summarize it, I personally felt that parking in PSF is a better alternative as in comparison to EPF. Why? It compounded at a higher rate at about 10% annually by compensated slightly higher risk in equity. The trade-off will hence double the amount of your retirement fund after 25 years.

It is not easy to withdraw money out from KWSP because it is governed by Employees Provident Fund Act 1991 at http://www.kwsp.gov.my/portal/en/web/kwsp/about-epf/epf-act/epf-act-reports#intro  Even though one may have already done so, after the investor sells the PSF, the money has to flow back to KWSP. The investor can, if and only if to withdraw his Account 1 unless he or she reaches 55 or 60 years of age. By making a small-step decision, it could be easily a leap forward in your amount of retirement fund once you reach there. This is a way to get financial freedom if one has too much commitment. It is your money, you have choices to gain better control over it. That's about it.

In our quick conversation that day. I know you didn't have an online account to check your EPF. This is where you need to register yourself for first time and definitely will be made convenient to you later. Go to https://secure.kwsp.gov.my/secured/member/register  The first time initialization will need your NRIC and an activation code. For the code, you really need to travel one time to the EPF kiosk. The nearest office/kiosks can be found here http://www.kwsp.gov.my/portal/en/web/kwsp/reach-us/kiosks-location/citibank-berhad  I spotted this one: Bandar Damansara Perdana, Selangor closest to you, check out the map for direction there yourself.

To know how much you could withdraw from KWSP and invest in Public Mutual. Go to http://lvgconsultants.com/epfcalculator.html  Do fill in the amount of EPF Account 1 and your age. If the calculated result in figure is shown to you right there, you are eligible to invest and then you can withdraw 4 times only in a year i.e. each lump sum investment every 3 months apart.

Let me know once you are ready to buy my Proposal #2 and invest it here. I will have to get you the application forms for signing up. I can go to your office next week if you let me have an appointment.


Regards,

Js
016-2591429

Public Mutual Unit Trust Consultant - Jackson

Hi, Mr. Kong. Thanks for collecting the leaflet from me. I wish to let you explore some investment opportunity which yields better than the current FD rate or EPF dividend rate. I am quite daring to say that this opportunity worth RM100,000 if one were to make a decision now and let the result show you 20 years later. This is a comparison between KWSP's EPF money and Public Mutual's PSF (Public Savings Fund). Basically, that's the time during your retirement age already. The question is straight forward to you. Do you want to have more money or less money in your EPF account?

Before I get into details, I would like to give you an overview of our company's background since you are a first time investor. Public Mutual Bhd is a subsidiary of Public Bank Bhd. We are No. 1 because we capture the most market share, value as approximately 40% of unit trust investors picked us and then our fund has quite regularly been rewarded as the best performer among our peers. So, you could trust us for an experience of over 30 years of track record presented by our professional fund manager, the message I believe worth spreading across to my prospect is that we survived during the 97' crisis. In the subsequent year of 1998 and onwards, Public Mutual Fund is still able to and has continuously given a generous distribution (so called dividend) to our valued investors.

When you invest in Public Mutual Fund, we have over 70 of funds to choose from. Kong, trust me, you will get confused one. The fund price you can check it here http://www.publicmutual.com.my/application/fund/fundprice.aspx It is updated once daily. Or you could also check it in the newspaper e.g. The Star. From here onwards, I am going to use the oldest fund, Public Savings Fund and the best outperformed fund, Public SmallCap Fund as an example because both of the funds have more historical data to show you. To trace some of the price history for Public Savings Fund is here http://www.bloomberg.com/quote/KLSAFDI:MK and to trace the price history up to 5 years ago for Public SmallCap Fund is here http://www.bloomberg.com/quote/KLFSCAP:MK

Our company's official page is located at http://www.publicmutual.com.my. If an investor parks in more than 100k would be considered as a Public Mutual Gold Member. This is the privileges and benefits you may get at http://www.publicmutual.com.my/MutualGold/PrivilegesBenefits.aspx

Digging deeper into each of the fund at http://www.publicmutual.com.my/OurFunds/FundReports.aspx there. Fund Review and Fund's Financial Statement are the important features worth further exploration. We have fund reviews monthly online but delivered to postal address quarterly if you are our investor. Just to mention it, Public Savings Fund is located in Page 4 of the attachment. Public SmallCap Fund is located in Page 13 in the same attachment i.e. worth reading it. To get an idea on financial statement of Public Savings Fund, check it out at http://www.publicmutual.com.my/LinkClick.aspx?fileticket=kTbrz4MRyqA%3d&tabid=250 here. Similarly to Public SmallCap Fund is at http://www.publicmutual.com.my/LinkClick.aspx?fileticket=nhpTkga-s20%3d&tabid=250

As a Unit Trust Consultant myself, I trust Public Mutual very much because it is truly a very well managed fund and I wouldn't have joined them otherwise. Result is definitely important. But, one could examine our management fees from time to time, it is always less than 1.8% of the total net asset value (NAV). This is how I tell the story to my prospect. I wished all my AngPau's money collected every Chinese New Year during my childhood is in this fund because I could have easily added one zero behind my figure after 20 years today, instead of leaving it in my bank savings account. Allow me to send you the EPF's proposal in a separate email later.

If you don't find any attachment here, please visit http://www.publicmutual.com.my/LinkClick.aspx?fileticket=VZaMdotqSdg%3d&tabid=248

Regards,

Js
016-2591429